Morrisons More card - Morrisons Morrisons Contact Us Store Finder Say hello to the new Morrisons More card New 25 Morrisons More Points for every £1 you spend on Gift Cards in store. Find out more Earn 10 Morrisons More Points per litre when you buy fuel at Morrisons Earn 5 Morrisons More Points for every £1 you spend at Morrisons Café Earn 5 Morrisons More Points for every £1 you spend in store and online * Earn More Points on promotions in store and online Get a £5 More voucher for every 5,000 points you earn Start earning Morrisons More Points today Register Online Create an online account to check your Morrisons More Points balance, and choose how to receive your £5 vouchers. You can use an existing card number to register if you have one. Log in to Your Account Getting More for your money is easy at Morrisons Once you've earned 5,000 More Points we'll give you a Morrisons Fiver to save, or spend in store or online. The more Morrisons More Points you earn, the more Morrisons Fivers you'll receive. Have you downloaded the Morrisons More App?

See your Morrisons More Points balance on the go Get our latest discounts direct to your phone Find out about our latest promotions Earn Morrisons More Points every time you shop online Once you’ve registered above, you'll earn Morrisons More Points when you do an online shop with us. You’ll also find exclusive offers, and enjoy a unique, friendly home delivery service that makes life easier all round. Shop from any device Browse Morrisons More Points promotions Take advantage of 7-day delivery Pick one-hour slots from only £1 Get a doorstep 'Fresh Check' If we're late, there's no delivery charge More trouble than they're worth | The Economist All latest updates More trouble than they're worth Morrisons has finally launched its own loyalty scheme—but the business case for doing so is getting worse Oct 6th 2014 Tweet IN RECENT years, British supermarkets have faced unprecedented competition from a new breed of deep-discount grocers, sending their revenues and profit margins tumbling. The once loyal customers of the big four supermarkets—Tesco, Sainsburys, Asda and Morrisons—have been lured away by the promise of lower prices at Aldi and Lidl, two discount chains from Germany.

Now the big four have found themselves turning to an old friend to lure them back: loyalty cards. Hoping that offering shoppers more money-off vouchers will help win them back from the German upstarts, Tesco announced in March that it was expanding its Clubcard loyalty scheme. Then, Morrisons, a chain that had hitherto shunned the use of such cards, launched its own pilot scheme at its petrol stations in May. Finally catching the store-card bug, on October 2nd it unveiled its new “Match & More” scheme, which gives customers money-off vouchers in return for doing their grocery shopping at Morrisons. In a swipe at Aldi and Lidl, "Match & More" members will get extra vouchers if the products they bought at Morrisons are available for less at the German discounters. Related topics Tesco At first glance, the plan appears to be a smart move. The "Match & More" card will collect data on its customers' shopping habits, which will help the grocer aim future advertising campaigns or money-off vouchers at particular groups, as well as help the retailer's buying department judge future levels of demand for different products.

And market research suggests that offering occasional freebies to regular shoppers is also a much cheaper way to retain them than with an untargeted advertising campaign. Customers also seem to like the idea too. Nearly 95% of Britons are members of one or more retail loyalty schemes, according to GI Insight, a market-research firm, and around nine out of ten have at least one supermarket loyalty card. But such schemes are no longer the boon they once were. The launch of Tesco's Clubcard in 1995 severely damaged the sales of rivals such as Sainsbury's. But now customers have so many to choose from, the novelty has worn off. Shoppers seemed to have wised up to the fact that they are better off with the permanently low prices of the discounters than the vouchers and cashbacks that the big four's loyalty schemes offer. As a result, some of the schemes may no longer pay their way. Analysts have started to mutter that Tesco’s Clubcard no longer produces enough sales, or data on customers, to justify its £500m ($800m) annual cost.

Abandoning the cards altogether, some of them say, would help the ailing behemoth lower its prices and fend off the threat posed by Aldi and Lidl. However, some retailers have turned to offering more unusual goodies to entice reluctant consumers back into their stores. Waitrose, a supermarket, and its sister company John Lewis, a department store, launched loyalty cards earlier this year that offered members free coffee and cake, regardless of whether customers bought anything in-store. But the schemes fell victim of their own success: the cost of giving away over a million cups of coffee a week severely damaged Waitrose's profits in the first half of this year. Though loyalty-card schemes worked for a while in the past, in the era of the discount supermarkets they may yet prove to be more trouble than they are worth. Morrisons pins hopes on loyalty card - BBC News BBC News Morrisons pins hopes on loyalty card 2 October 2014 Close share panel Media captionMorrisons chief executive Dalton Philips: "We are matching the discounters" Morrisons has announced a new loyalty card scheme in an effort to seize back the initiative in the supermarket wars.

The retailer says its Match & More card will award points equivalent to the difference in price on items that are cheaper in other supermarkets. Morrisons said its scheme provided a price match guarantee against discount chains Aldi and Lidl, as well as Tesco, Sainsbury's and Asda. Morrisons recently reported a fall in half-year profits of more than 30%. The chain, along with the other major supermarkets, is being squeezed between high-end and discount retailers. In the 12 weeks to 14 September 2014, according to the latest figures from research firm Kantar Worldpanel, Morrisons had a share of 10.9% of the UK grocery market, down from 11.1% in the same period a year earlier. This is the first time Morrisons has introduced a loyalty card scheme or price matching. Asda, which only price matches, is now the only one of the big four supermarkets that does not do both. Morrisons has been struggling for a number of years, whereas Tesco's and Sainsbury's woes are more recent.

"This latest throw of the dice is not going to provide salvation, but it will up the ante a bit," Stephen Springham from Planet Retail told the BBC. Tesco was the first big supermarket to introduce a loyalty card scheme to UK shoppers in the 1990s. It is now the biggest such scheme in the country but, as Rahul Sharma at Neev Capital points out, "it's not working out too well for them at the moment". Matching the discounters Chief executive Dalton Philips described Match & More as "the most comprehensive price match and points scheme in the UK". "Because it price matches the discounters, the Match & More card will provide the ultimate guarantee about Morrisons' value for money." Under the scheme, Morrisons' prices will be checked electronically against a database of thousands of prices, as compiled by independent pricing experts Profitero. Comparable products will be price-matched against those found on the shelves of the five rival chains. "If your comparable shop would have been cheaper elsewhere, we will give you the difference in points on your card," Morrisons said.

"For example, if Lidl is the cheapest and is 60 pence cheaper than Morrisons, then 600 points are added to your Match & More account." Points will also be offered on hundreds of individual products throughout the shop, as well as petrol. Customers will receive a £5 voucher for every 5,000 points accumulated. The scheme will be rolled out in stages across the UK starting on Friday. It will be nationwide before Christmas. Analysis: Emma Simpson, business correspondent, BBC News This is an eye catching move by Morrisons to try to win back shoppers and reverse its decline in sales. Can it afford it and will it work? Morrisons declined to say how much this programme would cost, saying only that it was being funded out of the £1bn of investment into price cuts and other activities it's already announced to revitalise its business, with £300m of it being spent this year. Morrisons says the scheme will include branded, own branded and fresh food produce. But, as ever, the devil is in the detail. Aldi and Lidl stock very few branded items and it may prove tricky to compare some like-for-like items.

As one analyst pointed out today, price matching may have the effect of showing existing customers how much cheaper the discounters are. Morrisons insist they have already been closing the gap and that they are just as competitive, if not cheaper, on some products. Chief executive Dalton Philips believes Match & More will be a "gamechanger". In the end, the customer will decide if this scheme is a hit, or whether it's just too complex to use. Everything you need to know about supermarket loyalty cards, what points are worth and how you can spend them - Wales Online Everything you need to know about supermarket loyalty cards, what points are worth and how you can spend them Clubcard, Nectar and Match & More, what benefits do they bring? Share Loyalty cards: Tesco has Clubcard, Sainsbury's has Nectar Card, Morrisons uses Match & More Share Get business updates directly to your inbox + Subscribe Could not subscribe, try again laterInvalid Email Loyalty cards. Supermarkets across the UK including Tesco , Sainsbury's and Morrisons all use them but all four of them do it in different ways and make different offers to their customers.

Next month Tesco is calling time on its Fuel Save promotion which gives motorists money off they fuel when they spend in stores and accumulate points on their clubcards. Tesco says it is scrapping Fuel Save following customer feedback indicating offers on essentials in its stores would be more desirable. But, in a world of never ending choice, do points really mean prizes? Here is a breakdown of what each supermarket will be offering: Tesco - Clubcard Tesco clubcard How do I earn points? Clubcard points are obtained at a rate of one per pound spent. You earn them in-store at Tesco, or via partners such as E.on. Each point is worth a penny if used for in-store shopping, and they're sent out in vouchers (if you've at least 150 points on your account) every three months. What is the best way to redeem them? Clubcard also has a booster facility which allows users to boost the monetary equivalent of the points they have earned. A range of partners including restaurants such as Italian chain Ask or Pizza Express which alllow users to boost their points so, for example, £2.50 worth of vouchers could be boosted to be worth £10 in a participating restaurant.

READ MORE: Tesco sales fall but the supermarket giant says it is 'fixing the fundamentals of shopping' What can I buy with Clubcard vouchers? Well, as mentioned, Clubcard vouchers can be used in restaurants but they could also be used to buy a range of products and experiences from rail cards or magazine subscriptions to cinema trips or days out with participants including Cineworld, National Express, Odeon and Thorpe Park. Sainsbury's - Nectar Card Sainsbury's Nectar Card Reward Scheme How do I earn points? Nectar card holders earn one point for every pound spent in store, though it's possible to boost their value. Redeem them online or by phone for a range of days out, gifts or shopping discounts at member stores. Where can I collect Nectar Points? Nectar points can be collected at a variety of outlets including Sainsbury's, Homebase and even Oxfam. What can I buy with Nectar Card? Much like Clubcard points, Nectar points can be boosted and used to purchase restaurant meals, events and various different items.

READ MORE: Sainsbury's defies analysts to record third quarter rise in sales Currently Nectar card holders can, from August 11 to September 30, use every 1,000 points they accrue to buy two pizzas at Pizza Express. Nectar card holders can also use 500 points to get £2.50 off a booking with budget airline easyJet. Morrisons - Match and More Card Morrisons Match & More Card How do I earn points? You can collect points at Morrisons in a number of ways: Morrisons offers 10 points for every 1p Morrisons basket is dearer on own brand and branded goods against comparable branded and own branded goods in Asda, Tesco, Sainsbury’s, Aldi and Lidl when you spend £15 or more (please see Price Match Terms & Conditions for more details) You can also get 10 points for every litre of fuel you buy as well as points promotions on products in store and personalised points coupons on your favourite products Once you have 5,000 points you will receive a Morrisons £5 voucher on your next shop.

If you shop online and have managed your voucher preference via your online Match & More account you may receive a Morrisons £5 voucher via email if this is the preference you have chosen. What are points worth in Morrisons? Morrisons Match & More points have no monetary value and cannot be exchanged for cash, but they are exchangeable. Every 5,000 points can be exchanged for a Morrisons £5 voucher. Like us on Facebook Most Read Most Recent Most Read Most Recent What do the changes to Morrisons Match & More loyalty scheme mean? | Money | The Guardian What do the changes to Morrisons Match & More loyalty scheme mean? We look at what the new scheme replaces and how it compares Morrisons says it wants to make the loyalty scheme easier for shoppers to understand. Photograph: David Sillitoe for the Guardian Friday 9 October 2015 04.55 EDT Last modified on Friday 9 October 2015 05.06 EDT Share on Messenger Close The supermarket chain Morrisons has announced it is changing the terms of its Match & More loyalty card a little more than a year since it was launched. What will replace it and how does it compare?

How did the old scheme work? Under Match & More,Morrisons price-matched your grocery shop with a comparable one done at Tesco, Sainsbury’s, Asda, Aldi and Lidl. The difference was awarded in points – 10 points for every 1p where Morrisons was more expensive than its rivals. The points were available on shops costing more than £15.Every point was worth 0.1p, and once you had earned 5,000 you received a £5 voucher, valid to use in Morrisons within a year. Why is it changing? An estimated 6 million shoppers have the existing cards. But Morrisons says it wants to make it easier for them to understand. It said in a statement: “We have listened carefully to customers and we believe that they will prefer this simpler loyalty scheme. The changes mean that every pound counts towards earning points, which is much clearer for our customers.” Morrisons is the only major supermarket to price-compare against the discounters Aldi and Lidl. Photograph: Chris Radburn/PA What do you earn in the new scheme?

Under the new scheme – still to be officially named but being introduced on Monday 2 November – the scheme will no longer match other supermarkets’ prices. Instead, customers will get five points for every £1 they spend, but on a minimum shop of £1. Again, once they reach 5,000 points they will receive a £5 voucher. This means that shoppers have to spend a whopping £1,000 to get a £5 voucher. Drivers will still be able to earn 10 points per litre at the pump. And shoppers will also accrue points for spending in Morrisons flower shops, garden centres and pharmacies. Morrisons said any existing points that have built up on members’ accounts will remain valid after the changes are introduced. It sounds like I will earn fewer points – is that right? The new scheme does appear to be worth less than the old one as you have to spend so much to get a voucher. And shoppers are bound to be disappointed by the move as Morrisons is the only major supermarket to price-compare against the discount chains Aldi and Lidl. Morrisons shows living wage need not sound death knell for retailers Read more How does it compare with other supermarkets’ schemes?

There are much better deals on offer at Tesco, for example, where you earn one point for every £1 spent on shopping in store or online, or £2 spent with partners Esso and Eon. Each point amounts to 1p, so spending £250 in Tesco will give you a £2.50 voucher. You receive vouchers every three months, which expire after 24 months. Nectar is the UK’s biggest loyalty scheme, with more than 19 million cardholders and numerous retail partners. However, in April the scheme’s biggest partner, Sainsbury’s, halved the value of the points – to just one Nectar point for every £1 spent. 500 points are worth £2.50 to spend in store. Both of those schemes also offer chances to quadruple points by using them with other partners. How Morrisons is changing its 'Match & More' loyalty scheme - Telegraph Household bills How Morrisons is changing its 'Match & More' loyalty scheme The supermarket will no longer match Asda, Sainbury’s, Tesco, Aldi and Lidl's prices.

But it's promising shoppers will get more points Shoppers will earn five loyalty points for every £1 they spend, but the minimum transaction will fall from £15 to £1. Photo: ALAMY Comments Morrisons is changing its Match & More loyalty rewards scheme and will no longer match other supermarkets’ prices. The retailer currently promises to price match branded and own-brand goods from Asda, Sainbury’s, Tesco, Aldi and Lidl for purchases of £15 or more. If the total value of comparable products is cheaper elsewhere, shoppers receive the different in loyalty points at a rate of 10 points for every 1p difference. In further evidence of the supermarket price wars, this offer will be scrapped from November 2. Morrisons said shoppers will earn five loyalty points for every £1 they spend, but the minimum transaction will fall from £15 to £1. Drivers will still be able to earn 10 points per litre at the pump. Once shoppers earn 5,000 points they will continue to receive a £5 voucher. From November shoppers will also accrue points for spending in Morrison flowers shops, garden centres and pharmacies.

However, Match & More cards will not be accepted in M Local stores, which will no longer be owned by the supermarket chain. Morrisons said it plans to change the name of the scheme but that any existing points that have built up on members’ accounts will remain valid after the changes are introduced. • New 5p carrier bag tax comes into force: when do you need to pay? The £6bn catch in loyalty points Recent research showed shoppers are failing to take advantage of their loyalty points. Almost £6bn worth of points have not been claimed from the top 10 loyalty schemes alone. The most popular by membership are Nectar, Boots Advantage and Tesco Clubcard. There are 19 million Nectar card users in the UK and members typically have just over £22 of unused points on their account. Similarly, Boots Advantage card users have an average of £12.50 of unused points and Tesco Clubcard users have almost £18. In comparison, there are 6 million Morrisons Match & More members and each has around £3.85 of unused points.

• Put a question to our experts: moneyexpert@telegraph.co.uk Scheme Morrisons launches loyalty scheme with price match | Business | The Guardian Morrisons launches loyalty scheme with price match Bradford-based store hopes price-matching with Aldi and Lidl will prevent customers shopping for a better deal elsewhere Morrisons' chief executive Dalton Philips show off the company's new loyalty card, with which customers will accumulate points based on price matching. Thursday 2 October 2014 13.40 EDT First published on Thursday 2 October 2014 08.51 EDT Close This article is 2 years old Morrisons escalated the supermarket price war on Thursday with a promise to match Aldi and Lidl prices with a new loyalty scheme designed to stop its shoppers taking their custom elswhere. The Bradford-based store’s chief executive, Dalton Philips, said the points-collecting scheme, which also aims to match Tesco , Sainsbury’s and Asda prices on both branded and own-label goods, would be a “powerful new weapon to help Morrisons become fit for the future”. “There are huge structural shifts going on in how customers are shopping and we are reacting to that,” he said.

Philips admitted that more than half of Morrisons shoppers now also shopped at its rivals Aldi and Lidl . He said the number of customers visiting Morrisons had not dropped, but that people were spending less on each visit. Details of the new Morrisons loyalty schemes came just a day after Sainsbury revealed a slump in sales and its chief executive Mike Coupe said that the grocery business was changing faster than at any time in his 30 year retail career . Morrisons is the first of the major chains to attempt to match the discounters on price in a scheme analysts said was complicated and potentially costly. Only about a quarter of shoppers are thought to use loyalty cards, and discounters only sell about 2,500 products – fewer than 10% of the average Morrisons store – but these items are likely to make up a large proportion of overall sales. Discounters are an average 15% cheaper than the major supermarkets, but Philips said Morrisons’ prices were already the same as Aldi and Lidl on many branded items. The loyalty scheme would help reassure shoppers so they did not feel the need to spend time visiting several stores to get the best deal, he said.

“We are neutralising price so the rest of our offer can really shine through,” he said. “The discounters have been growing strongly but they only have one thing – price. We are saying we can guarantee price, but you also get 10 times the range, big brands and our butchers, bakers and cheesemongers.” He refused to reveal exactly how much Morrisons expect the scheme to cost, but said it would be within the existing £300m budget that the retailer has set itself to invest in its prices and product offer during its current financial year. It has so far spent £135m on cutting more than 1,200 prices and upgrading the quality of some own-label products. All the major supermarkets except Asda have seen sales and profits slide as cash-strapped shoppers hunt around for bargains. Sainsbury’s recently stopped matching its prices against Tesco and now only matches against Asda. However, neither Tesco nor Asda compare prices with the discounters. The new Morrisons’ Match & More scheme will launch in 11 stores on Friday morning and will be rolled out across the entire chain by Christmas.

For participants who spend a minimum of £15, it offers 10 points for every 1p where Morrisons is more expensive than its rivals. Points can also be collected by buying specific items and fuel. The scheme wil not, however, include the company’s M Local convenience stores, where prices are higher. Shoppers who amass 5,000 points will receive a £5 voucher which will be valid for up to a year. Morrisons said it had been testing the concept in a number of stores since April and it was based on technology it had been installing over the last two years. Prices will be checked via the independent company Profitero, which will use online research and visit discounters’ stores around the country twice a week to collect data. Philips said the scheme would result in the vast majority of the items Morrisons stocked being compared against rivals. He said discounters’ own-label ranges would be set against the Bradford-based chain’s main own-label rather than its M Savers value range, in a bid to compare like with like. Packs of goods that are up to 20% bigger or smaller will also be scooped into the comparison.

Clive Black at Shore Capital said: “Morrisons has turned up the heat on the discounters another notch. The free lunch that the limited assortment discounters, Aldi and Lidl, have had in recent years in the UK is coming to an end in our view as imploding superstore groups finally react.” However, Black said Morrisons’ price-matching scheme seemed too complex and the loyalty scheme was already looking outdated. Black pointed out that Sainsbury’s and Tesco’s loyalty cards were not helping them fight off competitors.

Bradford-based supermarket chain credits popularity of Match and More loyalty scheme for small improvement in fortunes Published: 6 Nov 2014 Second-quarter sales not bad compared with Tesco and Morrisons, but suggest supermarket’s spot in middle of market is unstable Published: 1 Oct 2014 Supermarket chief Dalton Philips announces price cuts after loyalty scheme to boost market share unveiled last week met mixed reception Published: 5 Oct 2014 Manager at supermarket in Taunton said 89-year-old man should wear a warmer coat rather than sell poppies inside the store Published: 27 Oct 2014 Loyalty cards boosting: Nectar, Tesco, Boots - MSE How to complain about a retailer When loyalty pays Loyalty is a consumer disease. Retailers utilise every tactic possible to keep us shopping in their stores without checking out the competition, rewarding new customers over existing ones. Their prime weapon is loyalty cards. They allow you to collect points in specific shops when you spend � usually requiring you to return there to redeem them. While credit or store card reward schemes work in a similar way, loyalty cards don't allow you to pay with them (except when redeeming points).

When to use loyalty schemes Never feel the shop's giving you something for nothing, as schemes are incorporated into pricing policies. To evaluate the overall cost, consider loyalty points gained like a discount. The difficulty is that their value is often deliberately misted, so use the LoyaltyChecker to reveal the real value of each point. This story should help... Irma Rightone loves the Boots Advantage card scheme, believing it's very generous as it gives four points, each worth a penny, per pound spent. So in she pops to buy her favourite matt foundation for �6, then shines in the glow of her 24 points. Ivor Secret loves the same foundation, and while his wife's not looking, sneaks out to buy it. He's seen it at the local supermarket for �5.50. He realises Boots points are an effective 4% discount, and calculates its real cost in Boots at �5.76, so buys it in the supermarket instead. Yet of course it's not practical to weigh up every single product's overall price, therefore the golden rule is... Never choose where you shop due to loyalty schemes, yet always use it if you shop somewhere with one.

Don't think "points are better than cash" � you can't spend them in nearly as many places. Watch for the vicious circle of loyalty Many in-store promotions give discounts as extra points rather than money off. This is very clever, because while �1 of points may feel like a �1 discount, of course it only costs the store what it paid its suppliers, not the full retail price. Add to that the fact it ensures you must return to that store to spend the points. When you do, it's likely you'll spend again, earning more points, requiring you to return yet again to redeem them; earning more points, requiring you to return again... Loyalty credit cards... beware the marketing spin Most of the big loyalty schemes have a credit card too. Here you don't just accumulate points on spending in a specific chain, but on all spending. This can be a boon, provided you repay in full each month, so you don't pay any interest. Yet always check the actual gain from using the credit card rather than just a loyalty card, then compare this to what you could earn on the Top Cashback Credit Card or other Credit Card Reward Schemes .

Watch the multi-earn argument You need to be careful here, as promotional leaflets for many credit card schemes use a neat double-counting trick. Take the Tesco Clubcard Credit Card for example, which gives you one Clubcard point for every �8 you spend everywhere outside Tesco. While the marketing hints using this card in Tesco is a hefty boost, its normal loyalty card pays one point per �1 anyway. So the credit card only adds one extra point. Put another way, you gain a quarter of a point per pound spent. It's this amount you should compare to Top Cashback Cards . Boost your loyalty points Every loyalty scheme has its quirks and can be manipulated. There are two obvious routes: first, try to earn more points for the same spending; next, try to beat the average point's value on whatever you redeem. To help, here are scheme-by-scheme point-maximising tips. Tesco Clubcard points boosting You accumulate Tesco Clubcard points* at a rate of one per pound spent. You earn them in store at Tesco, or via partners such as E.on.

Each point is worth a penny if used for in-store shopping, and they're sent out in vouchers (if you've at least 150 points on your account) every three months. It's possible to get back lost or unclaimed Clubcard vouchers if they're less than two years old. Follow the steps in our Reclaim Tesco Vouchers guide to see if you've got any hiding from you. Triple or quadruple your points when redeeming with Boost Partners This is the powerhouse of the Tesco points boosting method. Trade in normal vouchers for Tesco's special Clubcard Boost* tokens, and each �10 voucher becomes worth up to �40 in exchange and rewards with Boost partners. Clubcard Boost includes offers for train tickets, days out, magazine subscriptions, travel, including holidays, gifts, hotel rooms and more. Among the options are an �18 RAC membership (see Breakdown Rewards ), an adult cinema ticket for �4.50 in points, or a year's Merlin theme parks pass for �50. See our top 10 deals under the Boost scheme for more info.

The list price of goods in the brochure is sometimes higher than the market price, so you may not always get 3x or 4x value. Yet if you're exchanging to buy something you would've bought anyway, it is a great deal. Earn Tesco points when paying your energy bill with E.on Customers can earn up to 1,500 E.on reward points each year which can be exchanged for an equivalent number of Clubcard points (or you can turn your E.on rewards into vouchers for high street retailers). It equates to only �15 off Tesco shopping but can be worth up to �60 in Clubcard Boost Rewards. Choose to take your E.on rewards as Clubcard points and register your Clubcard with E.on. It's NOT worth switching to E.on purely for this, see Cheap Gas & Elec for how to find the cheapest provider. Get an extra point per �4 spend with Tesco Credit Card The amount of points you collect while using your Tesco credit card depends on where you're doing your spending. You get: Five points per �4 spent at Tesco.

One point per �8 you spend anywhere outside Tesco If redeemed in store at Tesco this is a rather paltry 0.25% return on spending but trade them in for Clubcard Boost tokens and it becomes a more respectable 0.75% or 1%. Ordinarily, you should repay IN FULL every month to avoid interest. However, Tesco offers up to 28 months' 0% on new spending. This means you could do ALL normal spending on it to rack up the points, stashing away the cash you'd normally spend, then pay it off in full within 28 months. More info in the 0% Cards and Stoozing guides. Compared with the top cashback card, which pays up to 5% cashback initially (see Top Cashback Cards ), this is weak. Following the 0% period, if you don't pay the Tesco card off in full, you'll pay 18.9% representative APR. Earn Clubcard points on all spending with the Tesco Bank current account Similar to the Tesco credit card, Tesco Bank Current Account customers can earn Clubcard points for spending on their debit card (though of course this month Tesco was hacked ).

You earn: One Clubcard point for every �4 spent in store or on fuel with Tesco (min �4 spend) One point per �8 you spend anywhere outside Tesco (min �8 spend) As with the credit card, rather than use reward points to cut the cost of the weekly shop customers should convert points to Clubcard Boost tokens to get best value. Get extra Clubcard points with Tesco Bank mortgage repayments Customers who have a mortgage with Tesco Bank collect one point for every �4 of regular payments and overpayments, but not from any charges or fees related to the mortgage. Check our Mortgage Best Buy table first to compare though. Earn bonus points with your Tesco mobile Tesco Mobile* customers can collect one Clubcard point for every �1 spent on pay as you go top-ups and monthly bills. You'll need to register your Clubcard with Tesco Mobile to start receiving points. You can do this through your online account or by calling 282 free from your phone. You'll need to top up online , using a Tesco store or by calling Tesco Mobile's top-up phoneline on 4444 to get the points.

Note, you won't get points if you top up from a cash machine or shop that isn't Tesco. You could even get paid to shop with in-store promotions Look out for any Tesco promotions offering extra Clubcard points. These can open up loopholes where it's worth buying the goods even if you don't want them. The best examples are the famous Johnson's Baby Powder and beef-in-gravy loopholes which originated on this site and ended up in all the papers. They worked like this: When you bought any two Johnson's products, you got 100 extra points. The cheapest item was baby powder, at 76p. This meant you could spend �1.52 to get 101 points, worth �4.04 of Clubcard deals vouchers, making more than �2.50 PROFIT. With the similar beef-in-gravy episode, one MoneySaver bought a few hundred pounds' worth, donated it to a homeless shelter and used the points for a return trip for two to New Zealand. Be careful with these loopholes, as Tesco reserves the right to block people for fair usage breaches. All major loopholes will go in the free weekly email .

Even if you can't make a profit, the bonuses can lead to serious discounts. For instance, Tesco once sold iPod Shuffles for �49 � a good price � adding 999 bonus points on top of the usual points. These were worth �42 of Clubcard Deals, so the iPod effectively cost �7. FAQs | Unsubscribe | Past Emails | Privacy Nectar points boosting Use a Nectar card when spending at Sainsbury's, BP, British Gas, eBay, Expedia and others (see full list ) to grab points. The amount you get varies � at Sainsbury's right now you'll usually earn one point for every �1 spent. One point is usually worth 0.5p, as 500 points are worth �2.50, though it's possible to boost their value. Redeem them online or by phone for a range of days out, gifts or shopping discounts at member stores. Nectar double-up at Sainsbury's - next one expected spring 2017 Nectar double-up promos usually happen quarterly - with the latest one having just finished.

A new one is expected in spring next year, and the promotion usually includes about seven categories in which you double the value of your Nectar points. Register for 'extra points' coupons at Sainsbury's Register your Nectar card with Sainsbury's My Coupons* site and choose up to five coupons to add to your 'My Coupons Wallet', each of which offers you between about 50 bonus points on products you usually buy � anything from grapes to washing powder. You can also sometimes get double or triple points coupons valid on your whole shop. You don't need to print anything off (although you can, if you want to remember what to pick up in store) � the points are added to your account when you buy the product in store or online. If you don't use a coupon, after a few days it'll expire and you can pick another. Remember, this is a way to get extra points on items that you're going to buy anyway � never buy an item just for the extra boost. Former MSE Megan C does this and quickly amassed �50 worth of points: In four months I've collected an extra 9,967 points, worth �49.83.

You're able to use it alongside other in-store promotions too, so sometimes I've managed to bag double triple points. You can't bank on a bonus as the coupons change weekly, but it's really easy and only takes a couple of days for points to be added after the shop. - MSE Megan C Boost Nectar points' value Usually when spent in store at Sainsbury's, each Nectar point is worth 0.5p (so 500 points equals �2.50 off shopping). Yet if you redeem points through the Nectar website you can sometimes get 2x or even 3x the value. Here are some of the current deals: 2x value. Use points to buy tickets for Merlin Attractions , including Madame Tussauds, Legoland, Alton Towers and Chessington. With 500 points you can get �5 off. Remember you can often get 2for1 offers elsewhere though. 1.5x value. With 500 points you can get �3.75 off at Pizza Express � you can exchange points for e-vouchers to spend at your nearest restaurant.

Choose vouchers for either �3.75, �7.50, �15 and �30. The redemption process varies by retailer � eg, you can just use your card at Madame Tussauds London to spend points, while you'll need to get an e-voucher to spend in Pizza Express. See the Nectar website for more info. Answer online survey questions for Nectar points You can earn extra Nectar points for completing surveys � up to 120 points a pop. Register with Nectar Canvass and you'll get an email when there's a new survey to complete. Once you've registered and done the welcome survey, you'll be entered into a competition for a chance to win 10,000 Nectar points. Plus, every time you attempt a survey, you'll get an entry to Sainsbury's quarterly �5,000 prize draw. Earn 200+ bonus points searching online There are points to be had simply for using the internet. For instance, once you register with the Nectar card website , you can collect 100 Nectar points just by downloading its toolbar .

You get a further one point for every two internet searches using the toolbar, up to a max of 200 points per month. Nectar also has free Apple and Android apps for smartphones, tablets and laptops, which offer users bonus points offers exclusive to the app. Virgin Trains customer? Collect points on advance tickets You can earn two points per �1 spent on advance tickets (standard and first class). You must book through the Virgin Trains East Coast website for an east coast line journey or Virgin Trains for a west coast line journey. To be eligible for the points at least part of your journey must be on one of the lines. British Gas or Sainsbury's Energy customer? Register your Nectar card If you receive your gas and electricity through British Gas or Sainsbury's Energy , you can register your Nectar card to be sent offers with Nectar partners. In the past you used to be able to get Nectar points for things such as submitting your meter reading, but this has now been scrapped. Donate goods to Oxfam and earn points when your items are sold Oxfam's Tag Your Bag scheme rewards you for donating items to the charity.

You'll receive 100 Nectar points just for signing up and registering your card. Then, if you donate any items with your personal tag attached, they'll be tracked and you'll receive two points per �1 when the item is sold. Oxfam may recycle or reuse the item if it doesn't sell. You won't get any points if this happens, but you'll still have done your bit for charity. The Nectar credit card � earn wherever you spend If you're an avid Nectar collector, you can earn more points by using the Nectar American Express* credit card, but always pay it off in full each month or you'll be charged 25% representative APR interest, which dwarfs any points gain. In non-Nectar stores it gives two points (worth 1p) per �1 spent. With some Nectar partners (eg, Sainsbury's) you can earn up to four points per �1. Plus spend �2,000+ in the first three months and you get an additional 20,000 bonus points (worth �100). The �25 annual fee is waived for the first year.

Overall this makes it a decent alternative to the top-paying cashback card , provided there's something you want from the Nectar catalogue. FAQs | Unsubscribe | Past Emails | Privacy Morrisons Match & More points boosting The Morrisons Match & More* card allows you to collect points on shopping and fuel. It was introduced in 2014, but in November last year Morrisons scrapped the automatic price match part of the scheme and changed some other terms, see the Morrisons shoppers dealt blow MSE news story for more. Get five Match & More for every �1 qualifying spend Shoppers can collect the points at all Morrisons stores, petrol stations on items other than fuel (you get more for fuel, see below) and at Morrisons.com. Spending at Morrisons' flower shops and garden centres are also included. Morrisons also plans to run promotions to allow you to collect extra points on some products. Get extra points when you fill up on fuel Boost your money-off vouchers when you buy fuel at Morrisons petrol stations. For every litre of fuel you buy you'll get 10 Match & More points.

Get �5 off every time you reach 5,000 points You automatically get your money-off vouchers at the till in stores or petrol stations once you've accumulated 5,000 points. Vouchers are valid until the date printed on them (56 weeks from the date you reached 5,000 points), so you can hold on to them but our advice is usually to spend them as soon as possible to avoid losing them down the back of the sofa. They can't be used to buy fuel, lottery tickets, prescription medicines, infant formula milk, gift vouchers or cards, mobile phone top-ups, stamps or tobacco. Turning points into prizes? Morrisons previously said it plans to expand the scheme to allow points to be turned into leisure vouchers for travel or eating out, but it has gone very quiet about this. As soon as any details of this are announced, we'll update this guide. Boots Advantage Card points boosting Use the Boots Advantage Card* in store and online (except for infant milk, prescriptions, stamps, gift vouchers and mobile phone top-ups) and you earn four points per pound. Each point is worth 1p and can be redeemed on most things in store. Delay big purchases for Mega Points Weekends.

Boots sometimes has Mega Points Weekends or Days, where if you spend �50 either online or in store, you get 1,000 extra points (worth �10). When one hits it's worth collecting together everything you were planning to buy in Boots to grab the excess. Or if you're doing a really big shop, split what you're buying into �50 units, as there's usually no limit on how many extra points bonuses you can get. Where possible, we'll include Mega Points weekends or similar promotions in the free weekly email . Get tailored offer with the Boots App Download the Boots App on your phone and get tailored offers sent directly to you. The app is available for iPhone and Android . It'll allow you to select the best offer available to you while in store so you can get it when you pay at the check-out. A barcode scanner in the app allows Advantage members to access product information and reviews on the go. Check the Advantage Card emails to maximise your points Boots sends out a weekly email to Advantage cardholders with deals to earn extra points and coupons which can help you maximise existing points. For example, it might offer a bonus 500 points for buying a particular product.

Join Boots' clubs for extra or double points on specific items Both the Boots Parenting Club and More Treats for Over-60s' club send mailouts giving special offers on relevant goods, allowing you to get discounts and earn more points. The parenting club gives an extra 10 points for every �1 spent on baby products and the over-60s' club offers 10 points per �1 spent in store on Boots-branded items. Select offers for extra points or money off If you've registered your Advantage Card and created a Boots.com* account, the My Offers page will present you with a range of specialised offers tailored to your shopping habits. These offers range from discounts on products to bonus points when you buy certain items or spend more than a specific amount. All you have to do is select the offers you're interested in and they'll be "loaded" onto your Advantage Card, ready to be used the next time you shop in a Boots store. Beware Advantage Card rewards you can often get more in cash Boots' Advantage Card offers a variety of different deals paid in points. Always evaluate the cash value of the points (see the LoyaltyChecker ) to compare that with the cash equivalents that are available.

FAQs | Unsubscribe | Past Emails | Privacy Choose the best value redemption For all schemes, the key to maximising value is to choose the best value redemptions. The LoyaltyChecker tool can help you do this for different schemes. Pick the redemptions you're interested in For example, a Blu-Ray copy of a new film could be bought with 2,600 Nectar points, while a DVD of the same film would cost 2,000 points. If customers buy online via Sainsbury's website, they exchange points by getting a Nectar voucher from Nectar.com to use for their purchase. They go to Nectar.com and select the value of the Sainsbury's voucher they require (�1, �5, �10, etc). They then click 'Get it now'. The voucher's then ready to use. Value the points Now use the LoyaltyChecker to see what the value of those points is. Here 2,600 points is worth �13 and 2,000 is worth �10. Check the cost to buy. See how much you'd pay for these items if bought in cash. One way is to use the MegaShopBot .

Say in this case, the DVD the film was available for �9.99, while the Blu-Ray could be bought for �12.99. Choose the best value redemption. Pick the one that's the best use of your points. While the DVD was �10 in points and about the same in the shops, the Blu-Ray cost �13. Therefore the DVD was a slightly better use of points. Value your loyalty points Loyalty points are awarded for credit card spending, shopping and much more. But it's deliberately difficult to evaluate most schemes, instead a feel-good factor which doesn't promote their true worth is promoted. The LoyaltyChecker tool gives you a quick assessment of your current stash of over 40 schemes, based on points' average, not boosted value. Loyalty points compared Resolver � free shopping complaints tool* Representative APR Where credit cards or loans use a representative APR, this means that 51% of successful applicants will be given the stated interest rate. Credit Cards With credit cards, the rate for purchases (as opposed to balance transfers or cash withdrawals) is used as the main rate to advertise the card.

So if that is described as 19.9% representative APR, then 51% of people accepted will get 19.9% APR, but 49% will get a different rate (likely to be higher). Personal Loans Loans are slightly simpler as they only have one rate. So if a loan is advertised as being 7.5% representative APR, this means 51% of accepted applicants will get 7.5%, and 49% will get a different rate (likely to be higher). Of course, some people will be rejected outright for the card or loan too.

Question: Which supermarket has the loyalty card "Match and More"?
Answer: Morrisons